| Metric | First Western Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.9% | +2.0 pts |
| Deposit growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| Loan growth (YoY) | +13.4% | +5.3% | +8.1 pts |
| ROA | 1.11% | 1.28% | -0.2 pts |
| ROE | 12.6% | 12.4% | +0.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $792.7M | $673.8M | $643.2M | $69.9M | $4.3M | 1.11% | 4.06% | 0.67% |
| Q1 2026 | $785.6M | $669.2M | $642.9M | $68.4M | $2.1M | 1.10% | 4.08% | 0.69% |
| Q4 2025 | $742.8M | $657.5M | $598.9M | $66.4M | $6.1M | 0.84% | 3.91% | 0.75% |
| Q3 2025 | $721.1M | $643.8M | $562.2M | $65.6M | $4.3M | 0.79% | 3.80% | 0.70% |
| Q2 2025 | $741.6M | $667.0M | $567.0M | $62.8M | $2.7M | 0.75% | 3.72% | 0.54% |
| Q1 2025 | $726.0M | $648.2M | $564.7M | $61.5M | $1.3M | 0.70% | 3.62% | 0.10% |
| Q4 2024 | $725.6M | $649.3M | $550.9M | $60.0M | $5.4M | 0.80% | 3.64% | 0.06% |
| Q3 2024 | $702.7M | $591.6M | $541.7M | $60.1M | $3.7M | 0.74% | 3.65% | 0.09% |
Loan mix (Q2 2026): real estate $622.7M · commercial $17.7M · consumer $4.2M · securities $75.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 61.2% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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